Parker Car Insurance For Less Than You're Paying Now

Saving money on Parker car insurance is hard for consumers not familiar with comparison shopping online. People have so many options available that it can easily become more work than you anticipated to find the best price in Parker.

Tips to Get Lower Parker Rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to big savings.

High numbers of claims are not good - If you are a frequent claim filer, you can definitely plan on higher rates. Companies in South Dakota award discounts to drivers who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.
Safer cars are cheaper to insure - Vehicles with good safety scores can get you lower premiums. The safest vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. They both tend to get into accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DUI and reckless driving.
Little extras can really add up - There are a lot of extra bells and whistles that can waste your money when buying car insurance. Things like roadside assistance, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so remove them from your policy.
Low deductibles can be expensive - Deductibles for physical damage define the amount you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The more you have to pay, the less your company will charge you for insurance.
Rates may be lower depending on your job - Careers like judges, business owners and stock brokers have the highest rates attributed to high stress and lots of time spent at work. On the other hand, professions such as farmers, students and the unemployed get better rates.
Save money with special equipment - Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.

Save big with these discounts

Companies offering auto insurance don't list every discount very well, so we researched both the well known and the more hidden savings tricks you should be using.

Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
Lower Rates for Military - Being on active duty in the military can result in better rates.
Senior Citizens - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
Low Mileage Discounts - Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
Defensive Driving Course - Taking part in a defensive driving course could save 5% or more if your company offers it.

It's important to note that most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you're out of luck.

To choose insurance companies with the best car insurance discounts in South Dakota, click here to view.

Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all make an identical promise that you can save if you move your coverage to them. But how can every company claim to save you money?

All the different companies can use profiling for the type of customer that makes them money. For instance, a driver they prefer might be between 30 and 50, has no tickets, and has excellent credit. Any driver who meets those qualifications will get very good rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will be quoted more money and ends up with the customer not buying. The ads say "people who switch" not "people who quote" save that much money. That's why insurance companies can make those claims. This emphasizes why you should get a wide range of price quotes. You cannot predict the company that will have the lowest rates.

More South Dakota car insurance information

Additional detailed information is located at the South Dakota Division of Insurance website. Visitors are able to download brochures, find disaster information, and learn about insurance regulations.

Other informative sites include this site for car insurance rates in South Dakota and this list of insurance agents in Parker, SD.

Do the work, save more money

People who switch companies do it for many reasons like extreme rates for teen drivers, unfair underwriting practices, denial of a claim or even delays in responding to claim requests. Whatever your reason, finding the right car insurance provider is easier than you think.

We just presented many tips how you can save on car insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best prices are with an unexpected company.

Lower-priced car insurance is possible both online as well as from independent agents in Parker, so compare prices from both to have the best chance of lowering rates. Some companies don't offer online price quotes and these small, regional companies work with independent agents.